Monticello, IN · Charter 10772
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
37
Profitability
62
Liquidity
87
Efficiency
85
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Monticello, IN · Charter 10772
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 3.22% | 1.95% | 2.05% | 2.05% | 2.07% | 0.50% | 1.04% | -101 bps | |
| Return on Equity | 12.57% | 23.95% | 14.41% | 14.31% | 13.55% | 13.37% | 3.35% | 6.82% | -749 bps | |
| Net Interest Margin | 4.28% | 4.35% | 4.36% | 4.51% | 4.55% | 4.50% | 4.01% | 3.99% | -52 bps | |
| Efficiency Ratio | 61.70% | 48.24% | 62.27% | 61.00% | 62.01% | 61.15% | 59.43% | 63.33% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 3.78% | 5.30% | 2.73% | 0.12% | 0.06% | 3.59% | 7.05% | +432 bps | |
| Loan Growth (YoY) | 23.72% | 21.98% | 23.64% | 21.15% | 11.16% | 5.35% | 1.54% | -2.62% | -2,377 bps | |
| Share Growth (YoY) | 0.26% | 2.49% | 4.08% | 0.94% | -1.96% | -2.14% | 1.95% | 6.10% | +516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 1.22% | 0.33% | 0.22% | 0.60% | 0.09% | 0.82% | 0.92% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.23% | 13.42% | 13.54% | 14.31% | 15.14% | 15.45% | 15.01% | 15.19% | +88 bps | |
| Net Worth / Assets | 13.23% | 13.42% | 13.54% | 14.31% | 15.14% | 15.45% | 15.01% | 15.19% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.27% | 67.03% | 67.02% | 71.33% | 74.01% | 72.16% | 66.75% | 65.46% | -587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monticello, IN · Charter 10772 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.04%
Rank 561 of 1,683
Net Interest Margin
3.99%
Rank 676 of 1,683
Efficiency Ratio
63.27%
Rank 249 of 1,682
Equity / Assets
15.19%
Rank 533 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 561 / 1,683 | ||
| Return on Equity | 6.82% | 2.67% | 5.89% | 8.74% | Beats 59% | 688 / 1,681 | ||
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 676 / 1,683 | ||
| Efficiency Ratio | 63.27% | 68.91% | 78.20% | 86.93% | Beats 85% | 249 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,066 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.19% | 10.44% | 12.89% | 16.53% | Beats 68% | 533 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.19% | 10.44% | 12.89% | 16.53% | Beats 68% | 533 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.46% | 52.61% | 69.38% | 83.50% | 43rd pctl | 964 / 1,683 | ||
| Loans / Assets | 55.45% | 44.71% | 59.18% | 70.72% | 43rd pctl | 967 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||